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Overview

3 bd3 ba2,236 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1984
Lot15,890 sqft
Living area2,236 sqft
Price / sqft$190
Garage2 car

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboWindow TreatmentsBalconyStorageDishwasherElectric Water HeaterMicrowave

521 E Mirror Lake Dr is a 1984-built home in Fruitland Park Mirror Lake Estates, Fruitland Park. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,236 square feet of living space. Listed at $425,000 (about $190/sqft), 19 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

LAKE VIEWS, FLEXIBLE LIVING SPACE & AMAZING OUTDOOR ACCESS! Welcome to this beautifully maintained 3-bedroom, 2.5-bath home in Fruitland Park, Florida, offering a unique and versatile layout with an incredible ground-floor bonus space and beautiful lake views. Conveniently located close to shopping, restaurants, and entertainment, this home offers plenty of space, flexibility, and character. The main living area is located on the second floor and features three bedrooms, a spacious living room, dining area, kitchen, utility room, and two bathrooms. One of the bedrooms does not have a built-in closet, but the owner is leaving a nice armoire for storage. The kitchen features granite countertops and newer appliances, along with a new washer and dryer. The ice maker is currently not working. Both bathrooms are handicap accessible, including a convenient walk-in tub. One of the home's most exciting features is the ground-floor bonus area, currently being enjoyed as an amazing man cave complete with a large bar. This versatile space includes a kitchen and half bath and could also serve as an in-law suite, guest area, entertainment space, game room, home office, or additional living area. A shower could be added to make the space even more functional. Please note that the ground-floor A/C (easy fix with a window unit) and refrigerator are currently not working. An added bonus is a chair lift from the ground floor to the main living area, if you don't want to drive up into the back yard. Just beside the bonus area is an oversized garage with a workshop in the rear, providing excellent space for vehicles, hobbies, projects, and storage. The outdoor space is equally impressive. A large double gate provides easy access into the fenced backyard, allowing you to drive directly into the rear of the property at the same level as the main portion of the home—an especially convenient feature for moving items, accessing the yard, or avoiding the stairs. The fenced backyard includes a nice storage shed and is beautifully maintained. Upstairs, the entire front of the main living level features a large deck overlooking the lake. Three sets of sliding glass doors bring the beautiful lake views inside, providing gorgeous scenery from much of the home's living space and creating a wonderful connection between indoor and outdoor living. Recent improvements include an approximately 2-year-old A/C system for the main living area, approximately 3-year-old roof, and new double-pane windows. Beautifully maintained inside and out, this one-of-a-kind property offers lake views, flexible living space, an oversized garage and workshop, a fenced yard, and a ground-floor area with tremendous potential. Come see all the possibilities this Fruitland Park home has to offer! Owner is related to Realitor.

The essentials

Built
1984
Price / sqft
$190
On market
19 days
Annual tax
$415
Flood zone
X · Low risk
Lot
15,890 sqft
Type
Single Family Residence

At a glance

Single family
Built 1984
Water views
Water
2 car garage
Driveway
0.36 acres
Lot size
2,236 sqft
Living area

Payment

Est. monthly payment
$2,464/mo
Down payment (20%)
$85,000
Property taxes
$35/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1984
Lot
15,890 sqft
Cooling
Central Air
Heating
Electric
Parking
Driveway, Garage Door Opener, Workshop in Garage
Days on Market
19
Ceiling Fans(s)
Living Room/Dining Room Combo
Window Treatments
Balcony
Storage
Dishwasher
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$415
Parcel #
09-19-24-0600-000-00200

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Fruitland Park Mirror Lake Estates
County
Lake
MLS Area
34731 - Fruitland Park
Lot Size
15,890 sqft
City LimitsLandscapedPaved

Price history

Date
Event
Price
9/21/2026
Listed for sale
Source: Stellar MLS #G5118106
$425,000
$190/sqft

Neighborhood

521 E Mirror Lake Dr
Fruitland Park, FL, 34731 · 34731 - Fruitland Park

Market insights

Offer Insights

Choose an offer strength

List price: $425,000
$417,500 – $425,000
98.2% – 100% of listTops out right at the list price
80% of listList price
29 of the last 57 home closings in 34731 landed at this number or higher (51%). The median one sat 40 days before it went under contract, and this one is on day 19.

Sample: 57 closed home sales in 34731 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,464/mo
Principal & interest$2,217
Property taxes$35
Insurance$213
Down payment20% · $85,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$425,000

$190 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,236 sq ft

Time on market

19 days

Year built

1984

Monthly payment

About $2,464/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $415 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byMICKI BLACKBURN REALTYListing agent: Cindy NewmanListing data from Stellar MLS, MLS# G5118106.

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